Linda Cruz is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. She has previously worked at Avantax Advisory Services and maintains her role at Strategize Wealth Management Group. Cruz serves as a board member of the Maryland Twilight Homeowners Association, where she assists with community governance and financial policies. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party and affiliated investment managers.

Nicholas Lymangrover is a financial advisor with Ameriprise in Las Vegas, NV, holding Series 63 and Series 65 designations and eight years of industry experience. He has worked at Ameriprise since 2017 and previously held a position at Lee's Discount Liquor. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides clients with tailored recommendation reports and ongoing tax-aware withdrawal strategies.

Mihaela Luminita Dogaru is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works as part of an advisory team focused on serving the wealth management needs of affluent families, senior corporate executives, business owners, and tax-exempt organizations in the Wilmington, Delaware area and the greater Philadelphia metropolitan region. David Plaza, Mihaela's husband, is noted for his extensive experience in wealth management strategies that include asset management, retirement and estate planning, risk management, alternative investments, and specialized lending. While Mihaela’s specific professional background and credentials have not been detailed here, she is professionally aligned with Merrill Lynch Wealth Management, a firm known for comprehensive financial advisory services. Additional information regarding Mihaela's education, professional designations, community involvement, and personal interests was not provided.

Lilia Ramirez is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. She has been with Wells Fargo Clearing since 2021 and has worked at Wells Fargo Bank, N.A. since 1999. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lawrence Cervantes is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Robert Disman is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior work includes six years at Investment Advisors LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to project potential outcomes, supporting clients through advisory programs and partnerships.

Ryan Pandy is a financial advisor at Merrill with one year of industry experience and holds the Series 66 designation. His prior work history includes roles at Bank of America, Fitness Alliance LLC, Vans, Discover Card, and Tatum Real Estate Investments. Outside of advising, he owns two multimedia and modeling businesses, BREADHOUSE LLC and RYAN JORDAN PRODUCTIONS LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jocelyn Holzwarth is a CFP® with 28 years of industry experience, currently serving at OSAIC since 2024. She previously worked at Woodbury Financial for 18 years. Outside of her advisory role, she owns a consulting business focused on divorce issues and provides seminars on related topics, and she serves as treasurer for the Green Valley Ranch Homeowner’s Association. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering a range of brokerage and advisory services with an emphasis on asset allocation and portfolio management through multiple advisory platforms.

Ronald Barber is a financial advisor at Primerica Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and delegates trading to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Kenneth Serrio is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012 and Jpmorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Warren Castor is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He began his career in the financial services industry in 2004 and has accumulated extensive experience working with a diverse range of clients. His approach involves understanding each client's unique financial situation and helping them develop a plan to achieve their financial goals. Prior to his current role, Warren served as a Financial Consultant at Fidelity Investments from 2012 to 2018. He also worked as an Investment Consultant at TD Ameritrade from 2007 to 2012, and held financial advisor positions at Equity Services and Leonard & Company between 2004 and 2007.

Hector Hernandez is an International Wealth Advisor at Merrill Lynch Wealth Management, holding the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. He joined Merrill Lynch in 1998 after a career in management accounting and internal financial reporting. Hector holds a Bachelor's degree in Accounting from the University of Florida and studied accounting in a graduate program at Florida International University. He also holds Life and Health Insurance Licenses and FINRA registrations including Series 7, 65, and 66. With over 25 years of international wealth management experience, Hector serves affluent clients in the U.S. and abroad, including business owners, corporate executives, and multiple generations of families. He specializes in cross-border portfolio and estate planning strategies, wealth transfer, tax considerations, inflation, currency management, and family and business financial planning. His expertise includes college education planning, philanthropic planning, liquidity management, and portfolio management services. Hector is active in community organizations, serving as a board member of the National Association of Mental Health Miami Dade. He is also a member and former officer of the Miracle Mile Toast Masters. In his personal time, Hector enjoys chess, swimming, traveling, writing, and spending time with his family.

Debra Cohen is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, totaling 13 years before joining Ameriprise in 2022. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Cooper Dolan is a financial advisor at Raymond James & Associates with one year of industry experience. He holds the Series 66 designation and has prior work history including roles at Faherty Brand and Docusign. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a variety of portfolio management styles and affiliated research.

Marlo Ramo Morales is a financial advisor at Merrill with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Merrill, Morales worked at Equitable Advisors, LLC and Primerica Financial Services. Outside of advisory work, Morales operates a sole proprietorship called Zeroed In, which provides weapons training. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, utilizing model-based and discretionary strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Theodore Dake Jr. is a financial advisor at Merrill with 14 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2009 and also has experience at Bank of America, where he has worked since 2011. Dake serves as a trustee for the University of Nevada Las Vegas foundation. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Chenge Li is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, National Association and Morgan Stanley since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Reginald Hren is a financial advisor with Ameriprise in Las Vegas, NV, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach involves a centralized service team and offers recommendations based on proprietary research, third-party data, and algorithmic tools, operating within a defined investment universe influenced by affiliated product relationships.

Tianna Robinson is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds a Series 66 designation and has worked at several firms, including Citizens Securities, Equitable Advisors, and Fidelity Investments. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with diversification and modern portfolio theory in its investment approach.

Leesa Valdez is a financial advisor with LPL Enterprise, holding a Series 66 designation and 18 years of industry experience. Her career includes roles at Prudential Insurance Company of America and Valic Financial Advisors, Inc. She is currently based in Las Vegas, NV. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that combines advisory and brokerage services.